State vs Circum Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
State
Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.
- 24/7 insurance management
- Fast login with PIN/Face ID
- Online claim submission and tracking
- Policy payment management
- View policy information and documents
- Get new quotes in 2 minutes
Read full descriptionHide full description
About this app Your State insurance anytime, anywhere. With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID. Make a claim online Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way. Easily manage your payments Make a payment for your policy straight from the app. All your policies in one place View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post. Get a quote Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.
Circum Pay
Pay for services at enabled vending machines and equipment using your smartphone. Access special discounts and promotions at participating locations across Australia.
- Smartphone payments
- QR code scanning
- Vending machine purchases
- Special discounts
- Promotions
- Car wash payments
- Laundromat payments
Read full descriptionHide full description
The Circumpay app allows you to use your smartphone to buy products at your enabled favorite vending machine and or vending equipment (Car Wash, Laundromat, amusement machine or any devices that has Circumtec Reader Installed) quickly and easily through your smartphone. Receive special discounts and promotions on participating vending machines across Australia.
Screenshots
Verdict
The clearest difference is review sentiment: State at 11% against Circum Pay's 0%. Circum Pay's advantage is iOS requirement (14.0 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
State ships an update monthly, Circum Pay every 2 months. The most recent releases landed on October 10, 2026 and October 14, 2026 respectively.
| Parameter | State | Circum Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | — |
| Positive reviews | 10.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 4 — better | — |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 78 MB | 69 MB |
| Age rating | 4+ | 12+ |
| Developer | IAG New Zealand Limited | Circumtec |
Customer experience
State
Circum Pay
Bugs and requests
State
Reported bugs
17 issues- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays
Show 12 moreShow fewer
- App crashes when viewing policies
- Authentication errors
- Registration stage not working
- App doesn't work or shows 'service not available'
- App bounces back to main menu with error
- App shows old/overdue/incorrect policies
- Buttons not functioning (roadside assistance, settings)
- Offers feature not working
- App doesn't render correctly on iPhone 11
- Policy button doesn't work
- Cannot view policies since updating
- Direct debit updates not real-time
Requested features
17 requests- Allow adding drivers on the app
- Allow making changes to policies on the app
- Show monthly/weekly/fortnightly/annual premium in summary
- Clearly show payment transaction statement in one place
- Allow adding new addresses manually
Show 12 moreShow fewer
- Sync app and website for new policies
- Provide policy wording
- Fix login timeout issues
- Allow viewing all pages of policy documents
- Improve app performance and stability
- Update the app more frequently
- Allow manual entry of addresses
- Improve customer service response times
- Make the app more interactive
- Allow viewing payment history
- Allow viewing personal details
- Improve direct debit updates to be real-time
Circum Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
State
No in-app purchases
Circum Pay
No in-app purchases
